Virgin Money Mortgage rates – existing customers
Today’s Virgin Mortgage Rates for existing customers
| Term | Rate | Type | Fee | LTV |
| 2 yrs | 5.17% | Fixed | £995 | 65% |
| 3 yrs | 5.07% | Fixed | £995 | 65% |
| 5 yrs | 4.86% | Fixed | £995 | 65% |
| 7 yrs | 5.29% | Fixed | £0 | 65% |
| 10 yrs | 5.18% | Fixed | £0 | 65% |
| 15 yrs | 5.20% | Fixed | £0 | 65% |
Virgin Money existing customer – new mortgage rate – the process
- Secure a rate up to 6 months early
- No Broker Fees
- Same Day Service
- No paperwork
- No valuations
- No credit scoring
- To contact our Team you can call us or use our secure online NatWest Product Transfer Form
- We will check your Virgin Money mortgage options and email a full list to you on a single sheet
- Our experienced Team can give you any advice or further information you need to decide on a rate
- Once you have made a decision we secure the new mortgage rate for you
Book early
In the current market is makes sense to your Virgin Money mortgage product transfer rate early.
Within six months of your current Virgin mortgage rate ending you can secure a new mortgage rate. That rate will not start before your current rate ends.
If Virgin mortgage rates then rise, your initially secured mortgage rate is held for you.
If Virgin mortgage rates fall, you can swop a reserved mortgage rate to the new lower rate at no cost.
7 Great things about Virgin Money Mortgage Rate Deals for existing customers
You can reserve your new deal with us – now
You can reserve a new Virgin Money mortgage rate up to 120 days before your current deal ends. If your new Virgin Money mortgage rate is lower, we can even transfer your product early, saving you money.
You can switch quickly
We can get your new mortgage rate secured within hours in most cases.
We check your eligibility
We establish your mortgage balance and current property value and let you know all the rates available to you, and can advise you on the most suitable for you.
There will be no credit check
A new Virgin Money mortgage rate is available regardless of your recent credit history.
Changes in your circumstances are not a problem
We can arrange a new Virgin Money mortgage rate even if your income has dropped or one borrower has stopped working.
There is no need for a property valuation
We obtain a valuation of your property from Virgin Money, same day, at no cost.
You do not need a solicitor
You won’t need a solicitor to finalise your new Virgin Money mortgage rate.
Virgin Money no fee rates for existing customers
| Term | Rate | Type | Fee | LTV |
| 2 yrs | 5.42% | Fixed | £0 | 65% |
| 3 yrs | 5.32% | Fixed | £0 | 65% |
| 5 yrs | 5.02% | Fixed | £0 | 65% |
| 7 yrs | 5.29% | Fixed | £0 | 65% |
| 10 yrs | 5.18% | Fixed | £0 | 65% |
| 15 yrs | 5.20% | Fixed | £0 | 65% |
Today’s Virgin Money Buy to Let Mortgage Rates for existing customers
| Term | Rate | Type | Fee | LTV |
| 2 yrs | 5.69% | Fixed | £1,995 | 60% |
| 3 yrs | 5.59% | Fixed | £1,995 | 60% |
| 5 yrs | 5.23% | Fixed | £1,995 | 60% |
Today’s Virgin Money Buy to Let Mid Fee Rates for existing customers
| Term | Rate | Types | Fee | LTV |
| 2 yrs | 5.98% | Fixed | £995 | 60% |
| 3 yrs | 5.88% | Fixed | £995 | 60% |
| 5 yrs | 5.41% | Fixed | £995 | 60% |
| 10 yrs | 5.38% | Fixed | £995 | 60% |
Today’s Virgin Money Buy to Let No Fee Mortgage Rates for existing customers
| Term | Rate | Type | Fee | LTV |
| 2 yrs | 6.40% | Fixed | £0 | 60% |
| 3yrs | 6.30% | Fixed | £0 | 60% |
| 5yrs | 5.73% | Fixed | £0 | 60% |
Virgin Mortgages Help to Buy Mortgage Rates for existing customers
| Term | Rate | Type | Fee | LTV |
| 2 yrs | 5.43% | Fixed | £995 | 55% |
| 5 yrs | 5.10% | Fixed | £995 | 55% |
Virgin Mortgages Help to Buy No Fee Mortgage Rates for existing customers
| Term | Rate | Type | Fee | LTV |
| 2 yrs | 5.67% | Fixed | £0 | 55% |
| 5 yrs | 5.36% | Fixed | £0 | 55% |
The above rates are for borrowers retaining their Help to Buy loan.
Rates for existing customers current as of November 14, 2023Virgin Early Repayment Charges
Rates for existing customers current as of November 14, 2023| Fixed Term | Early Repayment Charge |
| 15 years | 8% until 01 February 2031 |
| 7% until 01 February 2032 | |
| 6% until 01 February 2034 | |
| 5% until 01 February 2035 | |
| 4% until 01 February 2036 | |
| 3% until 01 February 2037 | |
| 2% until 01 February 2038 | |
| 1% until 01 February 2039 | |
| 10 years | 8% until 01 February 2027 |
| 7% until 01 February 2028 | |
| 6% until 01 February 2029 | |
| 5% until 01 February 2030 | |
| 4% until 01 February 2031 | |
| 3% until 01 February 2032 | |
| 2% until 01 February 2033 | |
| 1% until 01 February 2034 | |
| 7 years | 6% until 01 February 2026 |
| 5% until 01 February 2027 | |
| 4% until 01 February 2028 | |
| 3% until 01 February 2029 | |
| 2% until 01 February 2030 | |
| 1% until 01 February 2031 | |
| 5 years | 3.50% until 01 February 2029 |
| 3 years | 2.50% until 01 February 2027 |
| 2 years | 1.50% until 01 February 2026 |
| 2 years (Tracker) | 1.00% until 01 February 2026 |
Do I need to stay with Virgin Mortgages?
No – you do not need to stay with Virgin Money Mortgages.
If another Mortgage Lender if offering a preferable product you may wish to consider a full re-mortgage.
If you would like our team to explore options outside of Virgin Money with you, we are happy to do this as we are Independent Mortgage Brokers who consider the whole of the market.
Mortgage Product Transfer with another Lender? – click below
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